Top
03 How do we invest your money?
  • You can choose your investment choices by completing the relevant enrolment form/application form upon joining the MPF scheme. Investment choices include Default Investment Strategy (“DIS”), a ready-made investment strategy with fees cap and automatic de-risking feature and/or the constituent funds available under Easy-Choice Scheme.
  • If no investment instruction is made by you before the first contribution and/or any accrued benefits transferred in or if your investment instruction is deemed invalid, your relevant contributions/accrued benefits will be invested in accordance with DIS.
  • You may refer to Sections 3, 4 and 6 of the MPF Scheme Brochure of Easy-Choice Scheme to understand the details of DIS and constituent funds before making the investment instruction: www.bocpt.com/homepage/en/easy-choice-mpf/easy-choice-mpf-download-corner/offering-document/
  • There are 17 constituent funds available under Easy-Choice Scheme:
    No. Name of constituent fund Investment Manager Fund Descriptor Investment Focus Investment Objectives Management fees (as a percentage of net asset value per annum)
    1 BOC-Prudential Core Accumulation Fund BOCI-Prudential Asset Management Limited Mixed Assets Fund (Global) Maximum equity - 65%

    55 – 65% in equities or equities-like securities,35 - 45% in bonds or fixed income instruments and 0 - 10% in cash, time deposits or money market securities

    		 Seeks to provide capital growth to members 0.75%
    2 BOC-Prudential Age 65 Plus Fund BOCI-Prudential Asset Management Limited Mixed Assets Fund (Global) Maximum equity - 25% 75 - 85% in bonds or fixed income instruments, 15 - 25% in equities or equities-like securities and 0 - 10% in cash, time deposits or money market securities Seeks to provide stable growth for the retirement savings to members 0.75%
    3 BOC-Prudential Growth Fund BOCI-Prudential Asset Management Limited Mixed Assets Fund (Global) Maximum equity - 100% 70 - 100% in equities, 0 - 30% in bonds and 0 - 20% in cash, time deposits or money market securities Seeks to achieve a return higher than the average capital appreciation 1.6375%
    4 BOC-Prudential Balanced Fund BOCI-Prudential Asset Management Limited Mixed Assets Fund (Global) Maximum equity - 80% 40 - 80% in equities, 20 - 60% in bonds and 0 - 20% in cash, time deposits or money market securities Seeks to achieve long-term capital growth 1.6375%
    5 BOC-Prudential Stable Fund BOCI-Prudential Asset Management Limited Mixed Assets Fund (Global) Maximum equity - 50% 40 - 90% in bonds, 10 - 50% in equities and 0 - 20% in cash, time deposits or money market securities Will be invested in a conservative manner to reduce the risk of capital losses while attempting to achieve a reasonable level of capital gains 1.6375%
    6 BOC-Prudential Global Equity Fund BOCI-Prudential Asset Management Limited Equity Fund (Global) 70 -100% in equities (through a combination of equity sub-funds under the Umbrella Unit Trust or a combination of those equity sub-funds and ITCIS) with balance in cash, time deposits, money market or fixed income securities Seeks to achieve long-term capital growth 1.6375%
    7 BOC-Prudential Asia Equity Fund BOCI-Prudential Asset Management Limited Equity Fund (Asia exclude Japan) 70 - 100% in equities (through the Asia equity sub-fund of the Umbrella Unit Trust) with balance in cash, time deposits, money market or fixed income securities Aims to achieve long-term capital growth 1.6375%
    8 BOC-Prudential China Equity Fund BOCI-Prudential Asset Management Limited Equity Fund (China) 70 - 100% in equities (through the China equity sub-fund of the Umbrella Unit Trust) with balance in cash, time deposits, money market or fixed income securities Aims to provide long-term capital growth 1.6375%
    9 BOC-Prudential Hong Kong Equity Fund BOCI-Prudential Asset Management Limited Equity Fund (Hong Kong) 70 - 100% in equities (through the Hong Kong equity sub-fund of the Umbrella Unit Trust) with balance in cash, time deposits, money market or fixed income securities Aims to provide long-term capital growth 1.6375%
    10 BOC-Prudential Japan Equity Fund BOCI-Prudential Asset Management Limited Equity Fund (Japan) 70 - 100% in equities (through the Japan equity sub-fund of the Umbrella Unit Trust) with balance in cash, time deposits, money market or fixed income securities Aims to achieve long-term capital growth 1.6375%
    11 BOC-Prudential Bond Fund BOCI-Prudential Asset Management Limited Bond Fund (Global) 70 - 100% in bonds (through the global bond sub-fund of the Umbrella Unit Trust) with balance in cash, time deposits or money market securities Seeks to provide a stable income stream and long-term capital appreciation 1.4875%
    12 BOC-Prudential CSI HK 100 Tracker Fund BOCI-Prudential Asset Management Limited Equity Fund (Hong Kong) 90 – 100% in equities (through an ITCIS) with balance in cash and time deposits Aims to achieve long term capital growth 0.8875%
    13 BOC-Prudential North America Index Tracking Fund BOCI-Prudential Asset Management Limited Equity Fund (North America) 90 – 100% in equities (through an ITCIS) with balance in cash and time deposits Aims to achieve long-term capital growth 0.99%
    14 BOC-Prudential European Index Tracking Fund BOCI-Prudential Asset Management Limited Equity Fund (Europe) 90 – 100% in equities (through an ITCIS) with balance in cash and time deposits Aims to achieve long-term capital growth 0.99%
    15 BOC-Prudential MPF RMB & HKD Money Market Fund BOCI-Prudential Asset Management Limited Money Market Fund (Hong Kong and China)* 70 – 100% in short term deposit and money market instruments with balance in debt securities Seeks to achieve long-term total returns 0.80%
    16 BOC-Prudential MPF Conservative Fund BOCI-Prudential Asset Management Limited Money Market Fund (Hong Kong) 100% in deposits and debt securities Aims at achieving a return higher than the interest rate in Hong Kong dollar savings account 0.80%
    17 BOC-Prudential Hong Kong Stable Retirement Fund BOCI-Prudential Asset Management Limited Mixed Assets Fund (Hong Kong) Maximum equity - 25% 75–95% in bonds, 5 – 25% in equities (through the relevant underlying sub-fund of the Umbrella Unit Trust) with balance in cash, time deposits or money market securities Seeks to achieve a stable and long term capital appreciation with an expectation of a lower level of volatlity 1.30%

* the geographic region is classified by the currency denomination of the BOC-Prudential MPF RMB & HKD Money Market Fund’s investment

Note - The management fees shown in the table above include management fees chargeable by the fund and its underlying fund(s) only. There may be other fees and charges chargeable to the fund and its underlying fund(s) or to you. For details, please refer to Section 5 of the MPF Scheme Brochure of Easy-Choice Scheme - Fees and Charges Section, which is available via the link: www.bocpt.com/homepage/en/easy-choice-mpf/easy-choice-mpf-download-corner/offering-document/

To help you make comparisons across different MPF funds and schemes, you may refer to the information on the MPF Fund Platform via the link: https://mfp.mpfa.org.hk/eng/mpp_index.jsp

< Previous
02 Your MPF contributions
Next >
04 What are the risks of your MPF investment?

Important Note - Fraudulent Websites

BOCI-Prudential Trustee Company (“our Company”) found fraudulent websites which seek to pass off as our Company, and can be searched and accessed through internet search engines. Customers are advised to always stay vigilant about scams.

Please note that  www.bocpt.com is the ONLY official website of our Company. We have not authorized any agent or third party to use any of our materials and trademarks to set up other websites. If you have any doubts, please contact our Customer Service Hotlines at 2929-3030/2929-3366 or email to mpf@bocpt.com for verification. Please click here for more security information.

 

*********************************************************************************************************

Please read the Terms and Conditions on the Website before using any services available on the website and / or via telephone services (collectively, the “Services”). Your continued use of the Services will mean that you irrevocably and unconditionally accept and agree to be bound by the Terms and Conditions as the same may be amended from time to time and any amendment to the Terms and Conditions shall be effective immediately upon posting on the Website.

 

*********************************************************************************************************

BOC-Prudential Easy-Choice Mandatory Provident Fund Scheme

IMPORTANT INFORMATION

  • You should consider your own risk tolerance level and financial circumstances before making any investment choices. When, in your selection of Constituent Funds, you are in doubt as to whether a certain Constituent Fund is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice and choose the Constituent Fund(s) most suitable for you taking into account your circumstances.
  • You should consider your own risk tolerance level and financial circumstances before investing in the MPF Default Investment Strategy (as defined in section 6.7 (MPF Default Investment Strategy)). You should note that the BOC-Prudential Core Accumulation Fund and the BOC-Prudential Age 65 Plus Fund may not be suitable for you, and there may be a risk mismatch between the BOC-Prudential Core Accumulation Fund and the BOC-Prudential Age 65 Plus Fund and your risk profile (the resulting portfolio risk may be greater than your risk preference). You should seek financial and/or professional advice if you are in doubt as to whether the MPF Default Investment Strategy is suitable for you, and make the investment decision most suitable for you taking into account your circumstances.
  • You should note that the implementation of the MPF Default Investment Strategy may have an impact on your MPF investments and accrued benefits. We recommend that you consult with the Trustee if you have doubts on how you are being affected.
  • Fees and charges of a MPF conservative fund can be deducted from either (i) the assets of the fund or (ii) members’ account by way of unit deduction. The BOC-Prudential MPF Conservative Fund uses method (i) and, therefore, unit prices/NAV/fund performance quoted have incorporated the impact of fees and charges.
  • If you are in doubt about the meaning or effect of the contents of the information in this website, you should seek independent professional advice.

 

My Choice Mandatory Provident Fund Scheme

IMPORTANT INFORMATION 

  • You should consider your own risk tolerance level and financial circumstances before making any investment choices. When, in your selection of Constituent Funds, you are in doubt as to whether a certain Constituent Fund is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice and choose the Constituent Fund(s) most suitable for you taking into account your circumstances.
  • You should consider your own risk tolerance level and financial circumstances before investing in the MPF Default Investment Strategy (as defined in section 6.7 (MPF Default Investment Strategy)). You should note that the My Choice Core Accumulation Fund and the My Choice Age 65 Plus Fund may not be suitable for you, and there may be a risk mismatch between the My Choice Core Accumulation Fund and the My Choice Age 65 Plus Fund and your risk profile (the resulting portfolio risk may be greater than your risk preference). You should seek financial and/or professional advice if you are in doubt as to whether the MPF Default Investment Strategy is suitable for you, and make the investment decision most suitable for you taking into account your circumstances.
  • You should note that the implementation of the MPF Default Investment Strategy may have an impact on your MPF investments and accrued benefits. We recommend that you consult with the Trustee if you have doubts on how you are being affected.
  • Fees and charges of a MPF conservative fund can be deducted from either: (i) the assets of the fund; or (ii) members’ account by way of unit deduction. The My Choice MPF Conservative Fund uses method (i) and, therefore, unit prices/NAV/fund performance quoted have incorporated the impact of fees and charges.
  • If you are in doubt about the meaning or effect of the contents of the information in this website, you should seek independent professional advice.

 

I have read and understood